Simulate a Portugal mortgage
casatoo_simulate_mortgageEstimate Portugal residential purchase costs with the same logic as the Casatoo calculator: 2026 mainland/island IMT, youth relief, stamp duty, loan payment, savings shortfall, effort rate, rate scenarios and annual amortisation. Anonymous, read-only, no account or location lookup needed. EUR amounts; TAN is percent. Omitted fields use published illustrative defaults, not known facts about the user. Include assumptions when presenting results.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| price | No | Purchase price in EUR. Residential property only. | |
| years | No | Term in years; rounds to the nearest whole year, halves upwards. Bank eligibility is not assessed. | |
| region | No | Mainland Portugal or Madeira/Azores tax tables. | mainland |
| savings | No | Savings allocated to this purchase, including taxes and fees, in EUR. | |
| tax_value | No | VPT in EUR. Zero if unknown; taxes use the higher of this and price. | |
| other_debt | No | Existing monthly loan payments in EUR, included in effort rate. | |
| annual_rate | No | Constant annual nominal rate (TAN), percent, not TAEG. | |
| young_buyer | No | True only if every buyer qualifies for IMT Jovem: age up to 35, not IRS-dependent, first primary home, no residential ownership in prior three years. | |
| monthly_costs | No | Monthly insurance and ownership costs in EUR, added to housing budget only. | |
| purchase_type | No | Primary permanent residence or secondary/rental residential property. | primary |
| monthly_income | No | Net monthly household income in EUR. Zero means effort rate is unavailable. |
Output Schema
| Name | Required | Description | Default |
|---|---|---|---|
| result | Yes | ||
| currency | Yes | ||
| tax_year | Yes | ||
| assumptions | Yes | ||
| rate_scenarios | Yes | ||
| annual_schedule | Yes | ||
| effort_rate_available | Yes |